Mistakes (you don't want to make) While Paying Off Debt

[@msdanaryan]

🚨Did you know I have a blog, too? Find more frugal tips on my site --> www.debtfreedana.com

[@amybayes4747]

I paid off my 2nd largest debt yesterday. It feels so good to not owe that anymore and.not having that extra payment is amazing.

[@Tommylee1242ATGMAILDOTcom]

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[@heatherlovesdeuteronomy]

Yay!!! Good for you, keep pressing forward 🙂

[@fresh5959]

Credit cards are a addictive thing I’m going good now I had gotten myself in about 30 grand in credit card debt and I was like “ why do I make 80k and I’m broke ??” Well I was spending all my money on credit card bills !!!! I’m down to 14k in debt and I’m getting a 10k bonus from work and it’s going on credit cards !!! I’ll be debt free at the end of the year

[@msdanaryan]

Awesome!!!! You're almost there. I understand. We had 40k in credit card debt. Thanks for your comment. HUGS!

[@justthebeginning1448]

Amen! Keep up the good work 👍🏼

[@Tommylee1242ATGMAILDOTcom]

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[@iamlegend3686]

Hey I'm feeling your pain. I'm feeling it. I ran up about 32 grand on credit card myself. Jeez I feel like shit.

[@patrickbello8130]

Keep @ it they really eat up your cash flow.

[@JulieHiltbrunner]

OMG... getting the spouse on board is SO IMPORTANT. My friends think I'm weird because I hardly spend any money. I have a dream and goals! I'm okay being weird and frugal.

[@lovedancingxoxoxoxo9843]

Creating Julie Silversmyth don’t listen to them ... I have a friend who thinks im weird also .. weird laugh when I tell her things .. yet she filed for bankruptcy now creating more debt and going to do it all over again .. you are doing right thing .. I so live within my means .. yeh I eat soup I make for a couple days .. yeh people laugh .. I’m not spoiled .. but I think they are crazy when they tell me their utilities were turned off because of non payment !!!🤨omg .. unbelievable!!!

[@justkhloevlogging]

Same, sis

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[@alwaysagigi]

You are so right. Yes student loan for 10 years. I got made 6 months ago and I make my last payment this month!

[@scarrasquillotorres]

Always G awesome, I want to be where you are right now. I still owe 53,000 and some dollars in student loans. Congratulations 🍾

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[@Myfrugallife]

Discipline and contentment are the key to staying out of debt.

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[@AnnaSzabo]

And gratitude

[@ahoardersheart]

Another great video!! I just successfully finished a “No Spend January” and starting “Frugal February!!” to help me tackle my personal debt!

[@anniesshenanigans3815]

Word for october?

[@tbaker4171]

I love your channel, Hoarder's Heart!

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[@88missjessica]

We pay our gym memberships upfront (and actually use them) then during the year we pay an invisible gym membership into savings which will pay for our membership the following year :)

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[@PahlaB]

So many great thoughts here, but especially the thing about how you have to work the plan. It's so much easier to "think" about it than to "do" it!

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[@aconstantwork8915]

The key to credit card usage is definitely based on "if you have a problem with it!" Some people can get out of debt while still using credit cards if they're responsible and use it like a debit card. I am NOT one of those people lol. Credit cards are tempting for me. So I straight up paid it off and closed the account while I pay off my student loans.

[@matthewgarcia2119]

Well its not just that. Of course its possible to be responsible with credit cards but the statistics show that MOST are not. 78% of folks have no margin at the end of the month. According to the federal reserve the average household has 150,000 of debt and an incom of 59,000. Most people are not responsible so its better to be on the side of "no credit" that "responsible credit" because you would not believe the logical acrobatics people will go through to get something in payments. Im glad to hear that your honest with yourself and steer clear of it 💪😎👌

[@aconstantwork8915]

Matthew Garcia While I would also rather be on the side of no credit myself, I don't steer quite so to the side of "Never use credit cards period." I know people who use credit cards and pay them off as soon as they see the charges hit. People can still budget and use credit cards. Lots of people in the debt free community are still using credit cards buying things they can actually afford and paying off right away as soon as possible :) Sure, people spend more using credit cards. But how about debit cards? People spend more in general using any sort of card, credit or debt. Cash is the best way to feel the money and probably spend less. I prefer no credit cards myself, but I respect a responsible person's decision to use credit cards.

[@AlisonReeves]

Matthew Garcia wow, really? Average household has $59k income and $159k debt? That makes me feel like I’m doing ok 😅

[@matthewgarcia2119]

@@AlisonReeves as long as you avoid consumer debt (things that you buy that make you no money). Things like a 🚗 are hard to justify mathematically. Its and assest that you burrow at interest, you still have to pay to maintain it (repairs&maintenance), and it will lose half of what it was worth after your financing is done.

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[@minimalmillionairemom]

Your advice is great for getting out of debt, but it’s also great for continuing on with your financial goals after you’re debt free. The journey never ends. Thanks!

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[@lindamcdermott5475]

I just discovered your videos. Being retired, and living mostly on SS is hard. Debt accumulates before you even notice. So many of the things you suggested, I have already done out of necessity. But there is more for me to do. I sew and quilt, the big thing this year was to stop going to fabric stores! That might sound funny, but it could easily be compared to an addiction. I found a local group that makes charity quilts, they have all the fabric, etc., I just go and pick out what I want, bring it home, sew to my hearts content, and then return it to be donated. No cost, all the gratification, and I don’t need to store it. I’ve been making holiday gifts from the scraps. I tried making things to sell at various stores that take crafts, the results were interesting, but the fees and cost of materials ate up whatever profit there might have been, plus the materials were most often on my credit card accruing interest. Of course not everything sold..... so that was a plan that did not work for me, not to mention the stress it created in my already stressed life of caregiving and volunteering. I also have learned to say NO to constant requests. Car maintenance is an issue, and resulted in a debt that I could have handled differently. Thanks to your advice, I realized that. I have another maintenance coming up, following your advice, I will shop around and not act impulsively out of panic. Thank you so much, your posts (I’ve now watched a few) are so helpful. I will be a follower.

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[@mjones1122]

If you have a weak moment and buy something at the store, return it. Save all your receipts and those things that end up being extra items after your DIY project, take them back with your receipt, do it right away, like the day you are done with your project. Having a binder with all our receipts in it has saved us money. The extra items are not sitting on the shelf somewhere. No clutter to deal with either.

[@marciagrimes7409]

Just today I returned an unused tube of caulk and 3 paint rollers to the hardware store instead of just throwing them in the basement!

[@brook7365]

Working on debt snowball right now. Thanks for the videos dana! Budgeting per paycheck works best for us. My husband gets paid weekly

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[@betterlifebroadcasting7547]

Thanks Dana! You're one of the first KZbinrs I ever watched on the topic of finances. I really appreciate your sensible and direct approach ! WE MADE IT! Step 6 is complete! Again, from the bottom of my heart keep this in your heart for those rough moments, YOU made a difference. You helped someone! Couldn't have done it without you!

[@hoffmansforhim7365]

Congrats! Good job

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[@gravielagarfias712]

I’ve been struggling.. and 11 really spoke to me. First month in and I was already questioning if it’s working! I’m so glad I ran into your video. Thank you for the encouraging words! 🤗

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[@StefanieOConnell]

Love that it's ok to make mistakes as long as we learn and grow from them. So good!

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[@xelamom8]

I never even thought about making a budget for each new month. Makes sense! Especially for us, as our income varies from month to month.

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[@hilaryjoseph9706]

Thank you so much for the motivation..I'm still at the" just trying not to create anymore debt phase"...but you encouraged me by letting me know in another video that it is a valid start

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[@zolozek3327]

Ty Dana. I am 1 credit card away Amazon. 900$. And then o have a 10,000$ student loan that I'm gonna tackle hard. This year I will be debt fee. I'm committed and I will make it happen.

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[@kathyfranco1271]

I have learned so much from your videos.. thank you so much

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[@lilianrich5446]

Thanks Dana i have made almost all of those mistakes mentioned but i stopped borrowing, i cut off some expenses and it was hard to bring my husband on board but God helped me now he can see and he is slowly coming on. Soon putting up an emergency fund and then will go back to snow ball. Great advice💞💞💞

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[@betsycasey1966]

Awesome list. Always love your content. Helpful and never judgmental. Thank you.

[@juliebarquin5670]

Thank you for the don’t quit attitude! Sometimes it’s hard to keep on keeping on !

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[@lorenaballou4513]

Thanks for making these helpful videos! I feel like you're talking directly to ME, and it's like a pep talk encouraging me😊

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[@justlourdes947]

Can’t wait to pay off my debt

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[@justthebeginning1448]

You sharing the "a ha" moment when what you were learning finally made it from your head to your heart. From listening and taking in knowledge to ACTION!! Golden, thx 👍🏼

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[@hoffmansforhim7365]

I love rewatching your videos for encouragement!

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[@LeahTackles]

Awesome tips! Thank you for sharing! So true to not think “oh that can’t work for us...everybody else sure”. We need to work on the unique budget every month

[@robynstevens9753]

I use to spend like crazy when I was working - then I retired and what a shock. The income was was way lower. It was an eye opener for sure

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[@kimberlygray227]

Thanks, Dana, for all you do!

[@thomaschew2191]

This video is a grand slam home run!

[@li3691]

New subscriber! Thanks for the awesome content. Binge watching to gain your knowledge😊

[@marwaelghamry7585]

Great video 😍. .finally I learned to do all of that advices. .Thank you ❤

[@rachaelv1140]

I’ve cut quite a few expenses, but cutting cable and the ability to record were hard for me. Currently researching subscription service alternatives, so I can watch my Hallmark movies. Looking for easy plans that I can cancel and renew as needed.,

[@sheilabc3969]

Really great advice. I have been doing most of the steps you mentioned in the video for years now, not so much to get out of debt because we don't have big debts but to save money. However, its hard because there are so many temptations to use the credit card. I have seriously thought about throwing them away .

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[@tinapospeshil5059]

Thank you, Just thank you so much for your encouragement! Keeps me on track to watch you each week :)

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[@kristinamarie111]

I don’t have a spouse so I’m completely on my own with getting out of debt

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[@chriscarvalho1786]

Love this video! We all make mistakes but we gotta try to learn from them and not repeat 😁👌

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[@readingbird9177]

Hi Dana... I love ur videos, they are SO helpful! What if we have cashback or rewards on our credit cards? Pls reply, thanks

[@msdanaryan]

I still don’t use them. I figure the rewards aren’t worth the risk of playing with snakes. But I know many disagree.

[@Familytoyreport]

The weight comparison is so true! Great video! Enjoyed!

[@AlisonReeves]

Our debt is from a business line from an old business, personal loan and car payments. (And House but saving that for later). Odd - but I’ve always used a credit card and always pay in full each paycheck (basically using it like a debit card).

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[@denisek5208]

Great advice! Thanks for sharing 👍

[@valinarudolph378]

Thank you for this video. I think it’s important to emphasize that although it is harder to get out of debt when your spouse is not completely on board, it’s not impossible. And it shouldn’t be used as an excuse to do nothing. The spouse that wants to get out of debt should do whatever they can, coupon, cut personal spending etc. it will take longer and be more challenging but it’s not impossible. That spouse would also be leading by example and the other spouse may be encouraged to get with the plan eventually.

[@msdanaryan]

Valina Rudolph Fair enough. Nothing is impossible, it's true. Thanks for your comment!! 👍🏻😊

[@sharlenehayden2412]

It’s not impossible and shouldn’t be an excuse to not to move forward, but it can be very hard. I actually had just started learning about Dave Ramsey right before my unexpected divorce. While I was never one to stay confined to a strict budget, I did see the benefit of gaining control of our finances and building wealth beginning by paying off debt. However, my (now ex) husband definitely did not believe in getting out of debt. He believed you can’t take money with you when you die so you might as well enjoy as many of life’s luxuries as credit and minimum payments will allow. It’s so important to be on the same page as your significant other, but I definitely think a lot of “gung-ho” Dave followers need to compromise with their spouses and understand it’s going to take patience and time for them to commit to the process.

[@amandagreer5586]

Sharlene it's a good thing you figured that out instead of drowning in debt and not being able to retire.

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[@michellelynn530]

Awesome video! I’m new to your channel 🥰, learning Dave Ramsey baby steps, very helpful information

[@KateKaden]

Good morning! Thanks for another great video!

[@celestetoet4273]

Thanks for all your videos Dana, I really needed to hear this today!

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[@sarahsuero]

Thanks for the tips! Do you have unique ideas for paying off a mortgage? Other than paying extra towards principal each month. That’s the only debt that’s left for us.

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[@gdaygday1209]

Thanks for another great share.....Just as a side note: I really like your hair style/cut :)

[@msdanaryan]

Thank you! 😊

[@mikewilloughby1119]

Please everyone get out of debt your life will be so much better. Don’t finance fancy cars or buy to much house. Credit cards are evil. I lived thru it and now I am so much calmer and happier driving my 20 year old car and living in my 24 year old house all paid for. Go for it one day at a time!!!👍

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[@kaseywinter3286]

Hey thanks Dana, I’d love to see a video of where you are in your debt free journey. When are you projected to be debt free? We’ll be debt free when we drop our tax return on it in a few weeks. So stinkin’ close! Driving me crazy.

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[@janicepagano9200]

You’re awesome Dana!!!

[@4nikkimay]

Guess what? 2020 3 extra checks oh ya!!! 💕

[@tracyserrano1919]

Great video !!! Needed to hear this today. Thank you

[@tairuckus988]

ty Dana YOU KEEPME ON TRACK. however I think our emergency funds should be at least 5000$ 1000 doesn't even cover rent this days

[@seventhchild7270]

Tai Ruckus....something is better than nothing, of course obtaining 5000.00 is great but most people are so much in debt, that they can't 500.00.

[@bradleyvanzile1111]

Cannot do a side hustle. I am disabled. I just use common sense in accounting practices to stay out of debt.😊

[@Vicki-sq4jw]

I realized (again) a couple of weeks ago that if I didn't have to pay these "extra" bills, I wouldn't be perennially broke so that's it, I took the middle debt first and paid off most of it, God willing next month it'll be done, then I start on the smallest, higher interest one, applying what I usually paid on it plus the payment from the other debt, then when that's done (July, I hope) I'll apply all the payments from the two previous debts plus its usual payments and I should be done with that early 2020. I pay more than double the minimum, some it's more like four times as much. I do have a $1000.00 saved for emergencies. I am also doing a buy "hardly anything year" but month to month so I'm not overwhelmed. I've been really good so far, just started in January 2019. There are some things I have to buy like canning jars as I'm doing some food prep too, but those come out of expenses and will be paid off as soon as the credit card bill comes in. I shop online, so I need my credit card, due to health problems. It can be hard but it's so nice when one doesn't have those extra bills coming in. I was debt free completely for 11 years, then I let it get away from me, NO MORE😇 I'm a senior on a fixed income, eat once a day (need to lose some weight) and can be really frugal when the mood hits me.

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[@mmc3731]

I’m relentless in paying down my debt. I’ve paid off a lot of cc’s and I’m left with 2.

[@mjones1122]

Right now, check with your student loan provider and find out if they are waiving interest charges if you keep making payments. Saving 4%+ in interest and making payments that go 100% to your loan is a great advantage. Pay if you can. 4% of 100,000 is $4000, a lot of money. If you can pay make sure your student loan is still being deducted from your checking account and continue to pay.

[@TheSamVala]

I agree with emergencyfunds but in my life that dosen't seem to work. My stuff just seem to break so I never have The chance to save. And if I save a little then then something even more expensive breaks

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[@KatieJohnsonVlogs]

is that a framed photo of dave ramsey? LOL i love it!

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[@Nat-n8h]

Thank you Dana! I needed this!

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[@Edbeatty91]

#5 goes straight to the heart!❤❤❤💯👍

[@TheSoundofHisVoice]

Brilliant advice... Thank you!

[@furryplantsandcoins9070]

These are good tips, but what about for people that are already low-income ( on social security with no extra way to make money). I've thought about selling stuff but what I have are already second hand and on it's last leg. My money is usually always tight.always hurts every month.

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[@michelelara5982]

My friggin' medical bills from having my daughter is killing us! This is the first time having to deal with medical bills, I have the last one from the hospital bill $540, they claim the $40 bux i send monthly not enough. I've heard Dave Ramsey mention that if you are sending something to the collectors that should hold them off. Anyone have any tips, or personal issues with medical bills?

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[@anointedwoman468]

I did not know you have a blog. What is the website address for your blog? I don't see a link to your blog in the description box (hint, hint). Friendly suggestion: Please talk more about your blog in your weekly videos and encourage your viewers to check out your blog for more information.

[@msdanaryan]

Ok, I'll add it. Thanks for the tip! It's www.debtfreedana.com 😉

[@allalahav5492]

Wow this really hit home. Great video xo

[@LittleBargainNook]

In regards to credit cards, once they are paid off, do you close the account or sock drawer them and just not use them?

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[@ATF247]

Just Subscribed and loving your channel 🤗

[@justincrain9991]

Thank you for sharing

[@lolomissa]

sometimes its so hard to be on the same page in a couple. especially when only one person has debt. no matter the strong will and dedication you might have to pay it off. its as if you're living a separate life from your partner in some ways. 😅

[@thebestwillow]

What do you think about the idea of having a different budget for every month of the year and using the same ones round and round, so the same November budget year after year, for example, as a basis for that month's budget, because we probably all have things we pay for once a year. For instance, very small item, but every November I buy a block of unsalted butter for a Christmas cookie I make.

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[@patriciaa3462]

Sorry, I think a monthly budget is too short a time. I have quarterly bills, annual bills and bills that happen every three or five years. I do a 12 month budget and do the necessary adjustments for each month as different things happen. I update it each month, so that it is always a 12 month budget.

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[@bradleyvanzile1111]

Paid my student loans off day one after commencement 😊

[@kristidarnbrough695]

Great video Dana! I love watching you. You are so calm and non-judgemental. You give me not only hope, but really helpful practical information. Im so happy I found your channel!

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[@drakemiller4676]

Great tips thanks!

[@anniesshenanigans3815]

Sorry but 1k isn't enough of an emergency fund. Dave made this up many years ago, and with inflation this is a drop in the bucket. I think now it would be a good idea to at least double that.

[@Swifftylady17]

I finally saved the 1k and have been debating adding more or putting toward my debts. I saved the 1k with the 3mo challenge (333.33 each month).

[@sherlytanco2835]

Ramsey always say to start a 1k minimum emergency fund. You are not gonna stay at 1k of course, if you can you can keep adding even if it’s little by little while you pay your debt.

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[@iamlegend3686]

I'm trying now to feel the pain. I'm at about 32k in credit card debt, 10k car loan. I feel like shit. I make 72k a year and I'm broke as hell because of my lifestyle. This sucks. But imma man up pay this crap off.

[@jdssurf]

It took you a full year to be like hey Dave is talking to me lmao. ..........good video, your a cool cat

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[@joycegonzales4994]

That’s exactly the way I’ve always said it! It’s not if, it’s when the emergency comes. Lol. Great minds think alike.

[@joycegonzales4994]

I like to create small income streams, because non of them are too stressful

[@MakeItEnough]

Excellent video. So true that your spouse has to be on the same page. That's huge!

[@Cutesyowl]

Thank you thank you for this tips. I will put them to work.

[@rhondam7746]

Hi Dana, could I ask your advice please? I have 3 credit cards: 9k on one, 1.5k on each of the others. I would dearly love to pay them off but should I aim to pay off the largest first, or the smallest first?

[@aconstantwork8915]

Rhonda M Dave Ramsey recommends snowballing it and focusing on the smallest debts first! So maybe pick the 1.5k credit card with the highest interest and pay it off first, then the other 1.5k credit cards, then the 9k one! :)

[@rhondam7746]

@@aconstantwork8915 Thank you! That's really helpful

[@msdanaryan]

I'd pay the lowest balance off first, so you can feel some progress. Go girl!! You got this! 💪🏻❤️

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[@crvrkppr]

Credit Cards are death. I am trying “ stay home February “

[@susancaleca4796]

Credit cards life you in with the rewards

[@racheljackson6253]

Try to keep track of your no spend days. Makes it easier if it’s like a challenge

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[@msdanaryan]

Hey!!!!! Get out!? That's awesome! Thank you so much! Yes - mine is KZbin. 😊💕 I don't have super strong opinions on MLMs. I think they can be horrible, and they can be fantastic. It just depends on the person and the particular MLM. Are you considering one?

[@ClandestineGirl16X]

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[@celiagorleski2716]

My sister took her husband and me out for lunch today at a steak place. I don't eat out more than a few times a year. Even though I wasn't paying the bill I still kept my eyes on The Price is looking for something cheap to order. I always look at prices first. My sister had the filet I'm so I asked her if it would be okay if I also ordered the filet which was around $20. I never would have ordered it if I was paying for it. But she had invited me out to eat and that was fine. There were only three of us there and two of us had water to drink and the bill came to $73 and I about fell off my chair. I guess I had gone out to eat so rarely that I had no idea how expensive it could be and I didn't really think it was so wise for my sister to be spending that type of money as well but I kept my mouth shut. I was thinking how I would have loved to put that $73 on my debt. I do keep my debt mentally in front of me all the time and after fighting against this debt for 12 years, I see us beating it by end of 20/20. We had some large financial crises that even an emergency fund could not have taking care of. But I am on a cash basis and my husband uses a credit card but does pay it off from his savings every month. I have become OCD about paying this debt off as well as setting up a sinking fund in order to take my grandson's to Disney World in about 2 years if we have saved enough money. We are raising our grandsons and they will be nine and eleven in about 2 years. In addition to the sinking fund we have a large Coca-Cola bottle that we all dump our change into any time we have some and I am also stashing away dollar bills every time I come home and have any in my wallet. We are already 65 but I don't feel it and I don't look it. Anytime someone is going to tell me of mistakes not to make I am going to listen closely. I'm not real interested anymore in watching videos of people who are already debt free. I want to watch people who can help tell me what else I can do to get there myself. thank you for your valuable information and I will definitely he'd what you have told me. By the way our debt started at $140,000 credit card debt and I am now down to less than $13,000 and I am waiting for $8,000 income tax refund from a prior year. Please keep giving all the information that you can to help someone like me and my husband to finally kill this debt. it may be small but one thing I never do is order anything except water at a restaurant because I never finish my drink anyway and soft drinks seem to run anywhere from about $3 to even $4 with free refills that I wouldn't use anyway. on the few occasions my family does go out to eat I tell them they can only order water unless they're willing to pay for the drink themselves because I won't do it. I'll invite my sister go out to Wendy's and I'll pick up the bill.

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[@celiagorleski2716]

@@Tommylee1242ATGMAILDOTcom how time flies. I am completely out of debt. No house payments, no car payments, no anything payments as well as a good amount in savings. I no longer lie awake at night worrying about money. My next car will be a used car and will be paid off when purchased. My husband doesn't cheat. He's too lazy. And taking care of two grandsons uses up most our time.

[@mandlerparr1]

Right now my goal is to not add to my debt. The next phase will be to start paying one off more aggressively. When that one gets paid off, I am going take half what I paid to that, and add it to my next highest debt and the other half will be spread over the remaining debts. By doing this, I hope to show more than minimum payments to each company and also that I am decreasing debt and increasing available credit. Then, I will start calling to get my interest rates lowered. Paying an extra $100 to my debt each month is great. Getting the interest rate lowered so that I am charged $100 less to start with is even better and doing both would be the best. Obviously, I will have to start with paying more, because once you go into debt, your credit score goes down. And like you said, I am not going to get too aggressive, because I don't want to have to pull out a credit card to pay for a car repair; so I will also be making a payment to savings each week.

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Very helpful. 🎉👍👏

[@grannyprepper7788]

I set our budget quarterly, break down to monthly, then weekly. We set our bill pay for a 4 week month. There 1 extra paycheck somewhere in the quarter. That we use for the extra stuff, new tired, auto repairs, new glasses, etc. What ever is not allocate for something goes in savings for the "unexpected" things.

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[@SimpleEverydayLifewithRachael]

Credit cards aren't neccessarily the problem. It's the way people use them that is the issue. If you use it as a debit card, then they are fine. If you use them as a loan, then it's a problem. We use our credit cards like debit cards because if the number is stolen, our checking and savings account aren't drained. We also use them for the cash back rewards on things we were going to buy anyways like gas, groceries, and even bill pay. We typically get back 1-5% cash back just for using the card. We just made a habit to check the account daily and pay off what was spent the day before. If you don't have the money in your checking/savings account to buy the item right then, then you don't buy it. Simple.

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[@gkemp2887]

wow! just like my eating plan!

[@ashleywynter2410]

I really don't understand why someone can't do this alone. I also hate the idea of an emergency fund when that money could be on a credit card or something so that you don't get charged the interest. I feel like savings and emergency funds can come later. I also disagree with the not using credit cards while paying them off, for me personally I get points on my card for using it and those points go back into my card to help me pay it off.

[@katieb746]

I agree Ashley, I have a credit card that I use and I just pay it off a couple times a month. I use it more as a debit card rather than a credit card, but I would never get rid of it because I get hundreds of dollars back at the end of every year. it’s a cash back card. I also have to kind of disagree with cutting out kids activities. I could never just cut my daughters dance or gymnastics out. I agree with the notion of cutting back and it’s going to hurt, but debt isn’t a kids fault and they shouldn’t suffer because of it. Maybe a better solution would be to cut down on the activities or change to a cheaper option? But cutting them out completely seems a little unfair.

[@ashleywynter2410]

KatieB I think they key is to have and keep a budget. I don’t think it matters so much your method of paying things as long as at the end of the day you’re bringing in more than you’re paying out and spending. All my bills go through my credit card too. It’s like a revolving door and I paid it off like that last month. Now it’s just current bills and spending. I don’t see why it’s not possible when I’ve literally done it. From $7000+ to only current purchases and expenses on it. I think that’s paid off enough. Now on to the next debt 😋

[@sandrahardy9891]

You don't get out of debt using credit cards. The points do not out way having a piece of mind when a emergency arises. I had your same mindset until I made changing. Don't have a poor man's mentality. Change your way of thinking. Have a great day.

[@ashleywynter2410]

@@sandrahardy9891 There's no reason you can't get out of debt using the credit card you're in debt with even. I got myself out of my credit card debt and I still never use anything but my credit card for purchases. I'm started on my LOC debt now and again, I still only use my credit card to buy things and reap the rewards of it. It's not about your method of payment, it's about living above your means or not. It's about sticking to your budget or not. It's not a poor man's mindset when I'm actively getting out of debt and on my way.

[@braedensilvestre4991]

Great advice realy helpful..xoxo

[@joycegonzales4994]

Enjoy your posts

[@PurpleRose8725]

Side hustle side note: One of the best side hustles you can have is overtime.

[@theresabeauchamp4470]

Someone asked me once what is a emergency to use fund. Car trouble can be emergency, Medicine when you dont have any money, Food if out just enough to get to hold you over till you get your pay check. Let me know Dana??

[@msdanaryan]

I'd say it's to use for unexpected things. Blown tires would count, but an oil change wouldn't. Food expenses are pretty predictable so that should be budgeted for. Hope that helps. ❤️

[@theresabeauchamp4470]

@@msdanaryan Tire emergencies are good for that list. For food I mean if freezer goes off and you didnt know and you loose all the food. This one actually happen to me.

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[@kristinatrujillostephens6060]

How can I sell cloth diapers? I am having such a hard time finding a way to sell them and given my kids are both in school, I need them out of my house. Help!

[@annettetaylor8992]

Mercari is a great place to sell you take photos and then take it to the post office

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[@tinacape2326]

Ive not had a credit card for 5 yrs. Im debt free

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[@seventhchild7270]

GOD BLESSES US WITH EXTRA MONEY...WE JUST HAVE TO SAVE AND UTILIZE IT PROPERLY....INCOME TAX REFUNDS, THE 2 EXTRA PAYCHECKS A YEAR, PERHAPS PAYING LESS ON THE WATER, UTILITIES, CAR INSURANCE, CAR PAYMENT ONE MONTH. THEN CUT OUT GAMBLING, SHOPPING, SMOKING, DRUGS/ALCOHOL, CREDIT CARD USE, EATING OUT, ETC

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